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Key Takeaways

  • The average insurance rates in Olathe are lower than in Kansas. It costs around $1513 yearly on average to insure your car in Olathe.
  • Iowa Farm Bureau offers the cheapest insurance rate in Olathe.
  • The highest rates are paid by teenage drivers and when charged for DUI and reckless driving.

Introduction

Driving in a city voted as one of the safest places in the United States must be an experience. What makes the rides smoother in Olathe? Does this influence the insurance rates in the city? If you are a resident of Olathe city, then you must know about the average insurance rates to save money on insurance premiums.

So, how much will it cost to buy an insurance premium in Olathe? How can you obtain cheap insurance quotes in Olathe? Since car insurance is mandatory in every state, we will drive you through the essentials to keep in mind while purchasing the same in Olathe, Kansas.

How much does car insurance cost in Olathe?

The car insurance rate in Olathe is less than that of the state average. However, the rates are closer to the national average of $1557.

Olathe Average Kansas Average National Average
$1513 $1628 $1557

Olathe Auto Insurance Premiums by Company

When you are planning to buy a new or renew old insurance, it is to obtain quotes from different car insurance companies as it will help you understand the general trends and the discounts available from each provider.

The cheapest insurance rates in Olathe are found with many of the local and national insurance providers. The companies that provide cheap insurance in Olathe are Iowa Farm Bureau, State Farm, American Family, Progressive, and Allstate.

Insurance Company Average Yearly Rate
All State $1762
Iowa Farm Bureau $1027
American Family $1247
Progressive $1492
State Farm $1136

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Olathe Auto Insurance Premiums by Age Group

Statistics prove that there is an increased rate of accidents with younger drivers. This makes age an important non-driving factor that determines insurance rates. Teenage drivers fall under the risky category by paying nearly four times more than the city average. Drivers above the age of 60 pay the least.

Age Bracket Average Yearly Rate
Teenagers $5395
20s $2090
30s $1473
40s $1408
50s $1275
60s $1293

Olathe Auto Insurance Premiums by Marital Status

The marital status of a driver can influence the insurance premium rates. In Olathe, single and married drivers pay almost similar insurance rates on average. But based on the location, we observe that married drivers pay lesser rates than single drivers.

Marital Status Average Yearly Rate
Married $1385
Single $1385
Divorced $1512
Widowed $1471

Olathe Auto Insurance Premiums by Gender

Gender also acts as a major non-driving factor, along with age influencing the insurance rates irrespective of the location or driving history. The average yearly rate for females in Olathe is $31 more than male drivers.

Gender Average Yearly Rate
Female $1544
Male $1513

Olathe Auto Insurance Premiums by Driving Record

If you are not a high-risk driver based on your age, then staying away from the bracket is essential to avoid high premium rates. This is possible only by avoiding speeding tickets, DUI charges, and other violations, which call for maintaining a clean record.

In Olathe, DUI and reckless driving can increase your insurance premium by $619 and $545, respectively.

Driving Violation/Incident Average Yearly Rate

At-fault Accidents

Damages <$1000 Damages >$2000
$1861 $2177
DUI/DWI $2132
Reckless Driving $2058
Speeding Tickets $1783

Olathe Auto Insurance Premiums by Credit Rating

Another major non-driving factor that has a direct impact on your profile is the Credit or FICO scores. Statistically, it shows that those who have fair to exceptional credit scores tend to file lesser claims hence eligible for around 53 percent reduction in the rates in Olathe.

Credit Tier Average Rate
Exceptional $1279
Very Good $1393
Good $1513
Fair $1781
Very Poor $2739

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Olathe Auto Insurance Premiums by Zip Code

In Olathe, there is not much difference between the different zip codes of the city. The maximum difference in the auto insurance rates one sees is $7. This is mainly because Olathe, which is considered a safe city, doesn't have many neighborhoods with above-average car thefts and uninsured motorists.

What would increase your car insurance rates in Olathe?

The most common factors that determine the insurance rates in any place are the driving factors which include the driving history, accusations of DUI, accidents, or speeding tickets, and a variety of non-driving factors like age, place, car model, and credit scores.

Olathe Auto theft and Accident Statistics

Car thefts and uninsured motorists also influence insurance rates. Though this may not directly affect the car insurance rates, this can categorize your place of residence as an unsafe neighborhood, thereby increasing the auto insurance rates.

Auto Theft Statistics

Olathe has a crime rate that is substantially lower than the standard when compared to the crime rates in other cities with similar population sizes. This indicates that when compared to other cities around the United States of comparable size, Olathe is actually safer than the majority of them.

The rate of property crime in Olathe is 24.5 percent, while the national average is 35.4 percent.

Accident Statistics

According to 2019 data, there were almost 13 vehicles involved in fatal accidents; this involved almost 17 persons. Most of the accidents occur at intersections that are quite prone to crashes.

Population

Olathe is a growing and developing city. The increase in drivers on the road tends to cause an obvious increase in traffic congestion and accidents.

Mode of Transport

The largest share of households in Olathe, Kansas, has 2 cars. 83.7% of workers in Olathe, KS, drove alone to work, followed by those who carpooled to work (8.36%) and a small percentage worked from home.

Be Prepared for Driving in Olathe

As a growing city, with many opting to drive to work, driving around Olathe can be perplexing. However, knowing the general rules of driving around the place can make it easier.

Obtaining License

One must obtain a driver's license within 90 days of moving to the city and becoming a resident. Here, drivers are eligible for an unrestricted driver's license at the age of 17.

Stay Away from Tickets and Charges

In Olathe, you can face license suspension if you fail to report an accident or if you do not carry liability insurance and also if you have faced at least three charges in a year.

Two Second and Four Second Rule

The drivers of the city must abide by the two-second rule at all times. This means you must leave two seconds between your car and the car you are following. If the road or weather conditions are hazardous, you must adhere to the four-second rule to give yourself enough time to stop or change the direction of the vehicle to avoid a collision.

Use of Cellphones

It is against the law to send, write, or read email or text messages while driving a car.

Be Weather Ready

One can always look out for the weather to avoid congestion and save time.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
41 in 13 in 138 days 217 days

Best Car Insurance Companies in Olathe

Insurance Companies in Olathe
American Family All State
Travelers Nationwide
Iowa Farm Bureau Progressive
Farmers USAA

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is full coverage car insurance in Olathe?

The car insurance rate in Olathe for full coverage annually is $1513.

How to find cheap car insurance in Olathe?

Comparing quotes from different providers can always help in figuring out the company that provides the cheapest insurance rates in the city. Way.com gives you a head start with our analysis of the best car insurance coverage companies nationally based on financial strength, customer service, protection, and price, all of which might influence your insurance coverage experience.'

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